Debt & Credit Free

Improve Your Credit Score By Using Credit

The heading sounds incredulous, but you may be able to improve your credit score by means of a credit card used in a particular way. A good credit score is a necessity if you want to get approval on loan or credit card applications, and enjoy the benefits of paying a low interest rate on them. For these reasons it’s important to ensure you possess... [Read more of this article]

How Can I Remove a Repossession?

Having a vehicle or other item repossessed can be financially, and even emotionally, devastating! Many times, a repossessed item can represent loss of freedom or income (in the case of a vehicle) or maybe loss of security or family memories (in the case of a home). These alone are bad enough; however, then comes the realization that a repossession reported... [Read more of this article]

See How A Divorce Can Influence Your Credit Score

The number of marriages that end up in divorce is a disappointing statistic. Far too many individuals suffer these painful breakups. As one goes through a split-up not only is there the emotional sting but all too often it unhelpfully affects their money also. In many instances there are individuals who have been trustworthy and consistent with their... [Read more of this article]

Handling Debt Through Settlement

The recent recession has caused us all to tighten up our belts and hold on to our money especially tightly. But for all too many, that’s not enough. The real estate roller coaster has put many people into huge pits of debt. There are many solutions for tending to debt, but without a little guidance, far too many debtors pick the wrong option for... [Read more of this article]

Collection Agencies and Your Credit Report

Collections and Collection Agencies A collection, also known as a charge-off, is an old debt the original creditor has given up trying to collect. At the point your debt becomes a charge-off, it is sold to a third party collection agency. Collection agencies are hired because they are experts at getting you to pay. Will My Credit Score Be Affected... [Read more of this article]

Credit History Repair – What If It’s Beyond Repair

How do you know if you can still do credit history repair? The story is usually the same. People get credit cards when they’re young. They max them out. They borrow on one to pay the other. They get more cards until they can’t get anymore. Finally the minimum payments overwhelm their income and they’re stuck. No matter where you are... [Read more of this article]

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